The short answer is ….. Yes, Yes, Yes. Properly installed manufactured homes are as safe as traditional homes during a storm, and in hurricane zones, the standards for manufactured homes are more stringent than regional and national building codes for site-built homes. The Manufactured Housing Institute (MHI), the national trade association for the factory-built housing industry, is working to clear up the negative stereotypes about manufactured homes and inform the public that since 1976 they have been built to rigorous federal standards. Manufactured homes are designed to withstand wind speeds of 100 miles per hour in Wind Zone 2 and 110 miles an hour in Wind Zone 3.
Manufactured homes are built to the HUD Code which is a performance-based construction and safety standard. Homes are built to regional conditions. Research has shown manufactured homes can withstand weather events like hurricanes as well as or better than site-built homes.
Manufactured homes are built with virtually the same construction materials and techniques as site-built homes. The only difference is that manufactured homes are built in a factory environment, where building materials are protected from weather damage and vandalism.
Manufactured homes are built to the federal Manufactured Home Construction and Safety Standards, better known as the HUD Code, which is administered by the U.S. Department of Housing and Urban Development (HUD). The habitable life of a manufactured home has increased to 55.8 years.
Yes. Yes. Yes. Yes. ……. Insurance studies reflect the fact that manufactured homes today are designed to prevent fires, and have features designed to inhibit and limit the damage caused should a fire occur. 99% of the things you think you know about a manufactured home is most likely false – they are safer than stick-built homes and have 50% fewer deaths by fire. Manufactured homes built since 1976 are safer than homes traditionally built on land.
Nationally, manufactured homes have 38-44% fewer fires and lower civilian fire injuries than site-built homes. A fact backed by the 2013 National Fire Protection Association study indicates manufactured homes have stricter fire safety codes and fewer fires than site-built homes.
One advantage manufactured homes offer is that they are often a lower-cost option to buying a stick-built home. In this regard, manufactured homes can make home-ownership easier to achieve. And since manufactured homes usually cost less per square foot than a stick-built home, you can get more home for your money. An additional advantage that manufactured homes offer is that they are usually built in a controlled environment. This means they can be consistently built to a high standard. And because they are manufactured in such conditions, construction delays due to weather or difficulty scheduling subcontractors are less likely.
Yes, we can roll the land, home, and improvements into one loan. First, you pick out a home and fill out an application. We will get you approved on an amount we both agree will cover your TBD land, home, and improvements. Once you have approval we will help you find the property. After you find the property the land seller will typically ask for an earnest money deposit and a copy of your approval letter. Remember, he will not get paid until the loan closes, but he is taking it off the market to give you time for your loan to process. Once we have found the land we will get a contractor to meet you at the property to discuss the improvements needed to get your home out there. We wrap everything into one loan and get you closed! The process typically takes 90-120 days, but conventional loans can be much faster than this!
Yes, as long as you are the current landowner, or the current landowner is willing to gift you the property, you can use that as your down payment.
The lenders will decide how much down payment you need. We have lenders that work with all credit types. Down payments start at 0% and go up from there, but many lenders offer little down payments on less than perfect credit. We will explain everything to you when you are filling out the application.
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